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Standard car insurance coverage

Liability insurance is a standard coverage with Desjardins car insurance

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Your essential coverage.

Whether your car is new or used, Desjardins Insurance offers you advice and guidance on all the essential coverage you need to have on your car insurance policy, including third party liability coverage.

Third Party Liability Coverage

 Mandatory

Provides coverage when you are responsible for an automobile accident:

  • That results in property damage, or
  • That results in injury or death

By law, you must have at least $200,000 in 3rd party liability coverage, but most people choose $1 million or $2 million.

Collision

 Required if your vehicle is leased or purchased with financing

Collision coverage pays for damage to an insured vehicle caused by:

  • A collision with another vehicle
  • A collision with an object
  • A vehicle rollover

Note: You may need to pay a deductible when you make a claim.

Comprehensive

 Required if your vehicle is leased or purchased with financing

Comprehensive coverage pays for loss or damage to an insured vehicle caused by events like:

  • Fire, vandalism or theft
  • Wind, hail or flood
  • Flying or falling objects
  • An impact with an animal

Note: You may need to pay a deductible when you make a claim.

Accident Benefits

 Mandatory

Provides coverage for:

  • Medical, rehabilitation and funeral expenses
  • Death and loss of income benefits

You can increase your Accident Benefits coverage with:

  • Optional income replacement benefits
  • Optional medical, rehabilitation and attendant care benefits
  • Optional death and funeral expense benefits

Uninsured Automobile Coverage

 Mandatory

Protects you in the event of an accident caused by an uninsured driver. For example:

  • If you are injured or lose your life because of an uninsured motorist or a hit-and-run driver.
  • Covers damage to and loss of use of the insured automobile and its contents, when an accident is caused by an identified, uninsured motorist.

Family Protection

 Recommended

Provides additional protection for eligible claimants in the event of injury or death caused by an underinsured motorist.

  • The coverage is the difference between your Family Protection limit, as per the terms of your policy, and the liability insurance limits of the other at-fault driver.

Example: Robert was involved in an automobile accident that caused $800,000 in damages. John, the driver responsible for the accident, was covered up to $500,000. Fortunately, Robert had added $1,000,000 in Family Protection coverage to his policy, which covered the $300,000 difference between the damages and the at-fault driver’s coverage.

Direct Compensation Property Damage (DCPD)

 Mandatory

This coverage protects you against damage to your vehicle in the event of an accident that is not your fault or is only partially your fault. If you're involved in a collision, you’ll always deal with us directly to cover vehicle repair costs. This makes the claim process a lot simpler.

  • Because this coverage is mandatory, it’s automatically included in the calculation of your insurance premium.

Learn more

Learn more about the optional coverages you can add to your auto insurance policy.

 

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Up to 2 cars and 3 drivers 1 car and 1 driver

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The information provided on this page is meant for informational purposes only. Full details regarding coverage and exclusions can be found in the insurance policy, which always prevails. Certain conditions, limitations and exclusions may apply.

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